NASDAQ$FCNCA

First Citizens BancShares Inc. · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

First Citizens BancShares reported strong earnings for the third quarter of 2020, with an increase in net income compared to the same quarter in 2019.

First Citizens BancShares reported a net income of $142.7 million for Q3 2020, a 14.3% increase compared to Q3 2019. The company's net interest income also increased by 5.1% to $353.7 million. Total loans grew, and deposits increased by 30.3% on an annualized basis.

  • Net income for the third quarter of 2020 totaled $142.7 million, up 14.3% compared to Q3 2019.
  • Net interest income increased to $353.7 million, a 5.1% rise compared to the same quarter in the previous year.
  • Total loans grew by $3.96 billion since December 31, 2019.
  • Total deposits increased by $7.82 billion since December 31, 2019.

Headline financials

Total Revenue

$474M

Previous: $437M+8.4%
EPS (adj)

$14.03

Previous: $11.27+24.5%
Net Interest Margin

3.1%

No prior period
Tier 1 Capital Ratio

11.5%

No prior period
CET1 Ratio

10.4%

No prior period
Total Risk-Based Capital

13.7%

No prior period
Capital Expenditures

-$98.5M

Previous: -$89.2M-10.4%
Free Cash Flow

$44.2M

Previous: $35.6M+24.3%
Net Income

$143M

Previous: $125M+14.3%
Operating Income

$218M

Previous: $197M+10.5%
Gross Profit

$468M

Previous: $436M+7.4%
Cash & Equivalents

$352M

Previous: $289M+22.0%
Total Assets

$48.7B

Previous: $37.7B+28.9%

Revenue & EPS history

First Citizens · Revenue · Quarterly

$474M

Q3 2020+8.4%vs Q3 2019
Beat estimate in 1 of 2 quarters(50%)
ActualEstimate

Revenue by segment

First Citizens · $402M total across 2 segments · Q1 2020

  • Net Interest
    $338M
  • Non-Interest
    $64M

Forward guidance

BancShares cancelled its live conference call originally scheduled for October 28, 2020, due to entry into a definitive merger agreement with CIT. There will be a joint conference call to discuss the transaction and third quarter 2020 earnings.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2020

Historical avgQ3 2020

+1.1%

Avg return

Earnings day

+1.8%

Avg return

5 days after

+5.2%

Avg return

30 days after

66%

42 / 64 earnings

Positive

+15.3%

Q3 2020

Best reaction

-9.6%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.5%-3.1%-2.6%
Q4 2025-8.5%-10.1%-8.5%
Q3 2025+0.3%+0.8%+7.2%
Q2 2025+1.1%-0.2%+3.7%
Q1 2025+1.1%+1.2%+2.8%
Q3 2024-9.6%-6.8%+13.0%
Q2 2024+13.3%+14.3%+8.2%
Q1 2024+7.0%+2.9%+8.6%
Q4 2023+5.1%+6.9%+8.7%
Q3 2023+3.6%+6.1%+10.3%
Q2 2023+3.4%+4.7%-3.7%
Q1 2023+12.8%+15.7%+17.5%
Q4 2022-3.2%-2.2%-7.0%
Q3 2022-5.5%-4.9%-4.9%
Q2 2022+5.1%+6.7%+13.0%
Q1 2022+3.1%+6.0%+11.9%
Q4 2021-4.9%-3.8%-3.5%
Q3 2021-2.1%+0.3%-1.0%
Q2 2021+4.5%+11.5%+17.9%
Q1 2021-2.9%-2.1%-2.8%
Q4 2020-6.5%-5.1%+20.6%
Q3 2020+15.3%+25.7%+53.6%
Q2 2020+4.3%+4.2%-2.1%
Q1 2020+8.5%+3.4%+13.0%
Q4 2019+0.6%+1.5%-9.3%
Q3 2019+0.4%-0.2%+4.8%
Q2 2019+2.2%-2.5%-2.9%
Q1 2019-0.6%+1.7%-5.8%
Q4 2018-1.0%-0.2%+6.4%
Q3 2018-0.7%-1.5%+0.2%
Q2 2018-1.1%-1.2%+15.9%
Q1 2018+2.4%+4.4%+5.2%
Q4 2017+0.8%-4.6%-4.1%
Q3 2017+6.8%+4.1%+5.8%
Q2 2017-2.8%-3.1%-8.8%
Q1 2017+3.6%+1.0%-3.7%
Q4 2016+3.1%-0.4%-1.2%
Q3 2016-1.8%-1.0%+21.7%
Q2 2016-1.1%-1.5%+4.9%
Q1 2016-0.0%
Q2 2015+1.4%
Q4 2015+2.2%
Q3 2015+7.0%
Q1 2015+0.2%
Q4 2014+0.3%
Q2 2014+0.3%
Q3 2014-0.5%
Q1 2014+1.1%
Q4 2013+0.3%
Q2 2013+0.3%
Q3 2013+4.8%
Q1 2013+1.3%
Q2 2012-2.3%
Q4 2012-2.3%
Q3 2012+1.7%
Q1 2012+0.7%
Q4 2011+2.2%
Q3 2011-0.5%
Q2 2011+1.2%
Q1 2011+0.7%
Q4 2010+0.0%
Q3 2010-5.1%
Q2 2010+1.3%
Q1 2010+4.0%

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